Real Estate Processor

Description

Are you detail-oriented, organized, and passionate about helping people achieve their home ownership goals? Join our team as a Real Estate Processor and play a vital role in guiding home equity and mortgage applications from submission through clear to close.

In this rewarding position, you’ll collaborate with lending professionals, ensure accuracy and regulatory compliance, and help deliver a smooth, timely lending experience for our members. If you thrive in a fast-paced, collaborative environment and take pride in quality service, we invite you to bring your skills to our team!

Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive.

We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed.

Go Above Expectations;
Create Positive Moments;
Personally Acknowledge

Deliver As One Team;
Stay A Step Ahead;
Guide with Product Expertise

Do What's Right;
Speak the Truth;
Own Our Actions

Grow Together;
Respect Every Voice;
Build Trusting Relationships;
Strengthen Culture & Community

Process home equity and mortgage applications from submission through clear to close across a shared pipeline. The Real Estate Processor is responsible for accurate, compliant, and timely file processing, including the review and clearance of tier-one underwriting conditions within established guidelines.

• Support Mortgage Loan Originators (MLOs) and Financial Partners (FP’s) by maintaining accurate loan data in the loan origination system (LOS) and reviewing submitted information and documentation for completeness, accuracy, and compliance.
• Prepare and deliver required disclosures for home equity and mortgage applications within applicable TRID time frames.
• Review application data and supporting documents before submitting files for initial underwriting review.
• Order and obtain required third-party items, including appraisals, title work, flood certifications, tax transcripts, mortgage insurance, and Property Access Card information when tax bills are not provided.
• Coordinate with MLOs, FP’s, underwriters, and third parties to obtain outstanding documentation and conditions in accordance with established service-level agreements (SLAs).
• Review, obtain, and submit underwriting conditions, and clear tier-one conditions within established guidelines, to support clear-to-close readiness.
• Interpret credit reports, appraisals, title documentation, and Desktop Underwriter (DU) findings as needed to support file processing.
• Maintain complete digital and hard-copy loan files by scanning, indexing, and verifying documents in the imaging system.
• Support balanced workflow across the shared home equity and mortgage pipeline by assisting with file assignment and workload coordination as directed.
• Monitor and report on pipeline and vendor SLA performance as assigned and communicate delays or workflow issues to Management.
• Comply with applicable federal and state regulations and…